Share Certificates

Share Certificates⁴
$1,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months (Limited Time Special)
12 months (Limited Time Special)
18 months (Step-Up⁸)(Limited Time Special)
24 months (Limited Time Special)
30 months (Step-Up⁸)
36 months
41 months (Step-Up⁸)
60 months (Step-Up⁸)
Dividend Rate
5.053%
4.812%
4.765%
4.619%
3.358%
0.599%
3.407%
1.15%
APY²
5.15%
4.90%
4.85%
4.70%
3.40%
0.60%
3.45%
1.16%

JUMBO Certificates⁴
$100,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months (Limited Time Special)
12 months (Limited Time Special)
18 months (Step-Up⁸) (Limited Time Special)
24 months (Limited Time Special)
30 months (Step-Up⁸)
36 months
41 months (Step-Up⁸)
60 months
Dividend Rate
5.150%
4.909%
4.861%
4.716%
3.455%
0.699%
3.504%
1.25%
APY²
5.25%
5.00%
4.95%
4.80%
3.50%
0.70%
3.55%
1.26%

Youth Certificates⁴
$100 Min. $30,000 Max. – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
3 Month Add-On³
Dividend Rate
3.358%
APY²
3.40%

Share Accounts

Annual Percentage Yields (APY) on Share Accounts are accurate as of the last dividend declarations date of 10/03/2023.

Share savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.10%
APY²
0.10%
Secondary Savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.20%
APY²
0.20%
Share Draft (Checking)
Minimum Balance to earn Dividend
$500
Dividend Rate
0.05%
APY²
0.05%
Christmas Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
Vacation Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
roth ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
education ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
Health savings account⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.40%
APY²
0.40%
Youth Account
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
DID Account⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
Share Plus⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
Super Money Market⁷
Minimum Balance to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.99%
APY²
1.00%
Super Money Market⁷
Minimum Balance to earn Dividend
$25,000 - $49,999.99
Dividend Rate
1.45%
APY²
1.45%
Super Money Market⁷
Minimum Balance to earn Dividend
$50,000 - $99,999.99
Dividend Rate
1.64%
APY²
1.65%
Super Money Market⁷
Minimum Balance to earn Dividend
$100,00 - $249,999.99
Dividend Rate
1.84%
APY²
1.85%
Super Money Market⁷
Minimum Balance to earn Dividend
$250,000 - $499,999.99
Dividend Rate
2.04%
APY²
2.05%
Super Money Market⁷
Minimum Balance to earn Dividend
$500,000 -$999,999.99
Dividend Rate
2.23%
APY²
2.25%
Minimum Balance to earn Dividend
$1,000,000 +
Dividend Rate
2.43%
APY²
2.45%

Home Equity Loan Rates

Check with a CFCCU Loan Officer for exciting new options.

Home Equity Line of Credit⁹


Open End HELOC
APR¹ as low as
8.50%

Rates, terms, and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval. 

Maximum APR¹ is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.

The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR¹ and balance outstanding.

Closing costs covered up to $250. To receive the $250 loan credit, the first advance at loan origination must be at least $10,000. Closing fees may exceed $250 if appraisal or additional title work is required.

Home Equity Loans Closed End⁹

Loan Term
5 Year (60 Month)
7 year (84 month)
10 year (120 month)
15 year (180 month)
20 year (240 month)
APR¹ as low as
6.99%
7.10%
6.89%
8.10%
9.10%

EXAMPLE: A $30,000 loan for a term of 120 months with a 6.89% APR¹, the monthly payment will be $347.

EXAMPLE: A $50,000 loan for a term of 180 months with a 8.10% APR¹, the monthly payment will be $481.

Auto Loan Rates

New Vehicle Loans
2022 & newer with 20,000 miles or less

Loan Term
48 months
60 months
66 months
72 months
84 months
APR¹ as low as
6.59%
6.59%
6.59%
6.59%
6.79%

EXAMPLE: A $50,000 loan for a term of 84 months with a 7.04% APR¹, the monthly payment will be $756.

Used Vehicles
2021 & newer with over 20,000 miles

Loan Term
48 months
60 months
66 months
72 months
APR¹ as low as
6.89%
6.89%
6.89%
6.94%

Used Vehicles
2020 Model Year

Loan Term
48 months
60 months
66 months
72 months
APR¹ as low as
6.99%
6.99%
7.04%
7.14%

Used Vehicles
2019 Model Year

Loan Term
48 months
60 months
APR¹ as low as
7.34%
7.34%

Used Vehicles
2018 Model Year

Loan Term
48 months
60 months
APR¹ as low as
7.89%
7.94%

Used Vehicles
2017 Model Year

Loan Term
36 months
60 months
APR¹ as low as
8.04%
8.04%

Used Vehicles
2016 Model Year

Loan Term
36 months
48 months
APR¹ as low as
8.04%
8.04%

Used Vehicles
2015 Model Year

LoanTerm
36 months
48 months
APR¹ as low as
8.04%
8.04%

Used Vehicles
2014 and Older Model Year

Loan Term
36 months
48 months
APR¹ as low as
10.59%
10.59%

Consumer Goods

Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances 

New Consumer Goods

Loan Term
36 months
48 months
APR¹ (20% Down) as low as
7.65%
8.65%
APR¹ (0% Down) as low as
8.65%
9.65%

EXAMPLE: A $15,000 loan with 20% down ($12,000 financed) for a term of 36 months with a 7.65% APR¹, the monthly payment will be $375.

EXAMPLE: A $15,000 loan with no money down for a term of 36 months with a 8.65% APR¹, the monthly payment will be $475.

Used Consumer Goods

Loan Term
24 months
36 months
APR¹ (Wholesale) as low as
9.15%
10.15%
APR¹ (Retail) as low as
10.15%
11.15%

Recreation Loans

Includes: off road motorcycles, UTV's, ATV's jet skis w/trailers, and snowmobiles

New 2020 & Newer Model Year

Loan Term
72 Months¹⁰
APR¹ as low as
7.54%

¹⁰Loan amount must exceed $10,000 for 72-month term

EXAMPLE: A $15,000 loan $0 down, for a term of 72 months with a 7.54% APR¹, the monthly payment will be $346.

2016-2017 Model Year

Loan Term
48 Months
APR¹ as low as
10.75%

2018-2019 Model Year

Loan Term
60 Months
APR¹ as low as
8.24%

2015 & Older Model Year

Loan Term
36 Months
APR¹ as low as
11.25%

Personal Loan Rates

Loan Term
12 months
24 months
36 Months
48 months
60 months
APR¹ as low as
9.25%
10.25%
11.25%
11.75%
12.25%

EXAMPLE: A $3,000 loan for a term of 12 months with a 9.25% APR¹, the monthly payment will be $263.

Calculators

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¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
²APY – The Annual Percentage Yield Rate is a variable rate and is subject to change after account opening and without notice. APY is accurate as of the last dividend declaration date.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁴Fees may reduce earnings on Share Certificates
⁵Fees may reduce earnings on Share Accounts
⁶Fees may reduce earnings on IRA & HSA Accounts
⁸Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.
⁹Payments do not include taxes and insurance premiums. The actual payment obligation may be greater.